Cultiva Financial

What Cultiva Financial does

Cultiva Financial is a privately held, San Antonio-based alternative lender founded in 2010 that provides working capital and equipment financing to small and medium-sized businesses (SMBs), with a particular focus on construction contractors, Latin American exporters, and business owners who are underserved by traditional banks — including ITIN holders, individuals with challenged credit histories, and minority, women, and veteran-owned businesses. Its core product portfolio spans five lines: invoice factoring (70-90% advance, 2-5% fee), asset-based lending (up to $5 million against collateral at 10-17% interest), equipment leasing ($20,000-$500,000 over 24-60 months), international factoring (operated through a dedicated sub-brand, CFTrade at cftrade.io), and a Materials Purchasing service that fronts and delivers construction materials to job sites.

The company operates with a sales-led, direct-to-SMB go-to-market model combining mobile-friendly online applications with phone-based funding specialists, supported by a bilingual (English/Spanish) team. Distribution relies on content marketing via an educational blog, organic social presence on Facebook and LinkedIn, and an institutional partnership network with eight Latin American trade promotion bodies (including CICOMEX, COMCE NORESTE, EXPORT AMERICAS, COFOCE, AGEXPORT, and PROCOMER) anchored by the Ella Exporta webinar series launched in March 2023 to develop women-exporter pipelines. Internationally, Cultiva has invested in geographic expansion through FOROGO 2022 gold sponsorship in León, Mexico, and a separate CFTrade platform for cross-border trade finance.

Revenue mechanics are fee- and interest-based: transaction fees on invoice and international factoring, recurring interest payments on asset-based loans, and fixed monthly payments on equipment lease-to-own contracts. No proprietary technology platform is disclosed, and no AI/ML capabilities are referenced — operations are described as traditional financial services underwriting. Ownership is private and management-controlled with no disclosed institutional investors, parent company, or funding rounds; the company employs 11-50 staff and operates from a single U.S. headquarters in San Antonio, Texas.

Name

Cultiva Financial

Legal name

Cultiva Financial

Website

https://cultivafinancial.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Cultiva Financial is a San Antonio-based private alternative lender providing invoice factoring, asset-based loans, equipment leasing, international factoring, and materials purchasing to underserved small and medium-sized businesses, with a focus on construction contractors, Latin American exporters, ITIN holders, and minority/women/veteran-owned business owners.

Ownership category

akta.pro rank

Product category

Alternative Small Business Lending

NAICS

Sales Financing (52222), Real Estate Credit (522292)

SIC

Short-Term Business Credit Institutions (6153), Finance Lessors (6172)

akta.pro primary industry

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

akta.pro secondary industry

Revenue-Based Financing (RBF) Providers (FSANAIAF)

Keywords

• Invoice factoring services
• Asset based lending
• Equipment leasing programs
• Small business financing
• International trade finance

Headquarters

HQ city

San Antonio

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Invoice Factoring Fees: Cultiva Financial generates revenue by purchasing invoices from businesses at a discount. The company advances 70-90% of the invoice value immediately and collects the full amount from the client's customer, remitting the remaining balance minus a factoring fee of 2-5% of the invoice face value. Additional fees of 1.25% per week apply for overdue invoices.
2. Asset-Based Lending Interest: The company provides asset-based loans using collateral such as real estate, equipment, and inventory. Interest rates range from 10-17% with flexible payment structures that can be interest-only during the term. Principal is repaid at the end of the loan term.
3. Equipment Leasing: Lease-to-own program for equipment between $20,000-$500,000 with terms of 24-60 months. Customers make monthly payments and own the equipment at the end of the term after a final payment. Payments are standardized throughout the term with no interest rate.
4. Materials Purchasing: Company purchases materials for customers and delivers to job sites. Customers pay back the company when they receive payment from their clients, providing flexible terms that match project pay dates.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Cultiva Financial provides alternative financing solutions for small and medium-sized businesses, offering invoice factoring, asset-based loans up to $5 million, equipment lease-to-own ($20,000-$500,000, 24-60 month terms), international factoring via cftrade.io, and materials purchasing. The company specializes in serving borrowers underserved by traditional banks, including construction contractors, Latin American exporters, and businesses with ITIN status or challenged credit, delivering funding in as fast as 48 hours.

Product overview

Cultiva Financial is a business finance company offering a platform of flexible financing solutions for small to medium-sized businesses. The core product portfolio includes International Factoring (for exporters), Asset Based Loans (leveraging collateral up to $5 million), Equipment Leasing ($20,000-$500,000 with 24-60 month terms), Invoice Factoring (70-90% cash advance on invoices), and Materials Purchasing. These services are designed for businesses in construction, manufacturing, real estate, and international trade sectors, with emphasis on serving minority/woman/veteran-owned businesses and companies with challenged credit or ITIN status.

Differentiator

Problem solved

Functional benefit

Brands

• Ella Exporta: A webinar series designed to empower women exporters to understand resources available outside their respective countries to improve exporting ambitions. Launched as a 10-part webinar series in March 2023.
• CFTrade

Products and services

• International Factoring International trade financing service that lets exporters reduce export risk and stabilize cash flow by factoring their export invoices. The company advances up to 80% of the invoice amount immediately, verifies importers for creditworthiness, and handles collections from U.S. clients on behalf of exporters. Targeted at Latin American exporters selling goods or services into the U.S.
• Asset Based Loans Business loans using collateral such as real estate, equipment, inventory, and accounts receivables to provide funding up to $5 million. Interest rates range from 10-17%, payments can be structured as interest-only during the term with principal paid at maturity, and no first lien position is required. Designed for small and medium-sized businesses that need flexible access to capital.
• Equipment Leasing Lease-to-own program for new or used business equipment priced between $20,000 and $500,000 with terms of 24, 36, 48, or 60 months. Customers make standardized monthly payments with no interest rate and own the equipment at the end of the term after a final payment. Soft credit pulls allow pre-approval without impacting credit scores, and the program is targeted at contractors building credit.
• Invoice Factoring Accounts receivable financing service that converts outstanding invoices into immediate working capital. Cultiva Financial purchases invoices at a discount, advances 70-90% of the invoice value immediately, and collects the full amount from the client's customer before remitting the remaining balance minus a 2-5% factoring fee. Late invoices beyond 30 days incur a 1.25% per week surcharge. Businesses can choose which invoices to factor, and stronger client credit results in lower fees.
• Materials Purchasing Construction materials financing service in which Cultiva Financial purchases materials upfront on behalf of the customer and delivers them to job sites. Customers repay Cultiva Financial when they receive payment from their own clients, providing flexible terms aligned to project pay dates and eliminating the need for upfront material payment.

Quantifiable outcome

• Funding delivered in as fast as 48 hours compared to traditional bank loan timelines of 90+ days
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core and minor.

• CICOMEXcoreStrategic or Co-development Partner · 1 March 2023Mexican international trade organization partnering in the Ella Exporta webinar series to empower women exporters. The 10-part webinar series starting March 2023 covers topics including soft landing, legal immigration, contracts, ecommerce, accounting, innovation, markets, customs, financing, and regulatory compliance.
• COMCE NORESTEcoreStrategic or Co-development Partner · 1 March 2023Northern Mexico Council for Foreign Trade (Comercio Exterior) partnering in the Ella Exporta initiative to support women-owned businesses in international trade.
• EXPORT AMERICAScoreStrategic or Co-development Partner · 1 March 2023Cross-border trade facilitation organization participating in the Ella Exporta webinar series supporting female exporters in Latin America.
• COFOCEcoreStrategic or Co-development Partner · 1 March 2023Guanajuato state export promotion council. COFOCE organized the FOROGO 2022 conference where Cultiva Financial participated as a gold sponsor. Active collaborator in international trade initiatives.
• AGEXPORTcoreStrategic or Co-development Partner · 1 March 2023Guatemalan exporters association participating in the Ella Exporta initiative to empower women in international trade.
• CSMBminorStrategic or Co-development Partner · 1 March 2023Business association partner in the Ella Exporta webinar series supporting women entrepreneurs in international trade.
• CADEXCOminorStrategic or Co-development Partner · 1 March 2023Ccuador export development council participating in the Ella Exporta initiative for women exporters.
• PROCOMERcoreStrategic or Co-development Partner · 1 March 2023Costa Rica's export promotion agency partnering in the Ella Exporta webinar series to support Costa Rican women exporters.

Scale indicators7 records

Recent moves2 records

Expansion highlights4 records

Broad incumbents

• OnDeck (Enova International): OnDeck, now part of Enova, offers term loans and lines of credit to SMBs, including short-term working capital products that overlap with Cultiva's ABL and equipment leasing offerings.
• Kabbage (American Express): Kabbage, owned by American Express, provides working capital lines and invoice-style financing to SMBs, competing with Cultiva for small business cash-flow products.

Direct peers

• BlueVine: BlueVine provides invoice factoring and lines of credit to SMBs, directly overlapping with Cultiva's invoice factoring and working-capital products, including construction and B2B services verticals.
• Fundbox: Fundbox offers invoice-based financing and SMB working capital with a digital application flow, directly competing for the same underserved SMB borrowers Cultiva serves.
• Triumph Business Capital: Triumph is a transportation-focused factoring company; while concentrated in trucking, its invoice-factoring product competes head-to-head with Cultiva's factoring service for SMBs.
• Currency Capital: Currency Capital is an equipment financing marketplace and direct lender for heavy equipment leases, closely comparable to Cultiva's $20K-$500K construction equipment lease-to-own program.
• United Capital Source: United Capital Source provides alternative SMB financing including factoring, ABL, and merchant cash advance, serving subprime and bank-declined businesses comparable to Cultiva's customer profile.
• AltLine (by Fundation): AltLine is a community-bank SBA and alternative lending partner focused on SBA 7(a) working capital and equipment loans for SMBs, a directly comparable asset-based and equipment financing offering.

Emerging players

• Lendio: Lendio operates an SMB lending marketplace aggregating banks and alternative lenders; it competes for the same small business borrower seeking equipment loans, ABL, and factoring.
• Accion Opportunity Fund (formerly Accion): Accion Opportunity Fund provides micro and small business loans, including to Hispanic and minority-owned businesses, overlapping with Cultiva's underserved market focus and ITIN-friendly positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/cultivafinancial
• LinkedInlinkedin.com/company/cultiva-financial

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cultiva Financial